FIRST NATIONAL CORP /VA/
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $14.3M | $14.2M | $10.2M | $10.1M | $9.0M | $7.5M |
| Operating income | — | — | — | — | — | — |
| Net income | $17.7M | $7.0M | $9.6M | $16.8M | $10.4M | $8.9M |
| Total assets | $2.04B | $2.01B | $1.42B | $1.37B | $1.39B | $950.9M |
| Total liabilities | $1.85B | $1.84B | $1.30B | $1.26B | $1.27B | $866.0M |
| Equity | $186.2M | $166.5M | $116.3M | $108.4M | $117.0M | $84.9M |
| EPS (diluted) | $1.96 | $1.00 | $1.53 | $2.68 | $1.86 | $1.82 |
| Shares out. | 9.0M | 6.3M | 6.3M | 6.2M | 4.9M | 5.0M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 123.9%
- Return on equity
- 9.5%
- Return on assets
- 0.9%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.9%
- Debt / equity
- 9.95×
- Book value / share
- $20.72
- Revenue growth (YoY)
- 0.8%
- Net income growth (YoY)
- 154.1%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.4%clean
- Piotroski F-Score
- 5/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 3 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗May 17, 2011
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Fourthstone LlcPassive (13G)May 15, 2026
- Siena Capital Partners Gp, LlcPassive (13G)Feb 12, 2025
- Smith Gerald F JrActivist (13D)Dec 30, 2024
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Harvard Scott COfficer — President & CEO | May 5, 2026 | Gift | 675 | $0.00 |
| Schwartz Brad EOfficer — EVP - CFO | Mar 4, 2026 | Buy | 1,000 | $26.91 |
| Schwartz Brad EOfficer — EVP - CFO | Feb 15, 2026 | Grant | 728 | $0.00 |
| Dysart Dennis AOfficer — Senior EVP/COO | Feb 15, 2026 | Grant | 2,445 | $0.00 |
| Harvard Scott COfficer — President & CEO | Feb 15, 2026 | Grant | 5,225 | $0.00 |
| Dysart Dennis AOfficer — Senior EVP/COO | Dec 31, 2025 | Grant | 4,432 | $0.00 |
| Harvard Scott COfficer — President & CEO | Dec 31, 2025 | Grant | 6,575 | $0.00 |
| Harvard Scott COfficer — President & CEO | Nov 4, 2025 | Gift | 4,500 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 85,162 | 1.1 | -12.2% |
| Apr 30, 2026 | 96,973 | 1.0 | +2.9% |
| Apr 15, 2026 | 94,272 | 1.0 | -33.6% |
| Mar 31, 2026 | 141,959 | 2.7 | +2.5% |
| Mar 13, 2026 | 138,530 | 1.8 | +35.1% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder vote · Other material eventMay 14, 2026
- Regulation FD disclosureMay 13, 2026
- Results of operationsApr 30, 2026
- Other material eventFeb 12, 2026
- Other material eventFeb 12, 2026
- Results of operationsJan 29, 2026
- Other material eventNov 13, 2025
- Results of operationsOct 30, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SCHEDULE 13G/AMay 15, 2026
- 8-KFORM 8-KMay 14, 2026
- 10-QFORM 10-QMay 13, 2026
- 8-KFORM 8-KMay 13, 2026
- 4HARVARD FORM 4 05.05.26May 6, 2026
- 8-KFORM 8-KApr 30, 2026
- DEF 14AFORM DEF 14AApr 2, 2026
- ARSApr 2, 2026
- 10-KFORM 10-KMar 25, 2026
- 4SCHWARTZ 03.04.26Mar 4, 2026
- 4SCHWARTZ 02.15.26Feb 17, 2026
- 4DYSART 02.17.26Feb 17, 2026
- 4HARVARD 02.17.26Feb 17, 2026
- 4SCHWARTZ 02.13.26Feb 13, 2026
- 4DYSART 02.13.26Feb 13, 2026
Event-driven situations (1)
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